... by State - New York




After Mom Moves

After Mom Moves


Are you trying to manage the resources from afar?

  You may benefit from Seniors Real Estate Coordination
- Property preparation for sale - Estate clean out - No hassle transitions
- Communication with family & professional advisors - Home sale and closing
To contact a Seniors Real Estate Professional click HERE
NO extra fees or obligation

Agencies on Aging

Agencies on Aging

State Office for the Aging
2 Empire State Plaza
Albany, NY 12223-0001

Broome County Office For Aging
Binghamton, New York
[email protected]
A resource for locating services and assistance for seniors.
"Successful Aging" is their weekly column in the Press and Sun-Bulletin

Alzheimer's Care

Alzheimer's Care Communities


Quail Summit
One Quail Summit
Canandaigua, NY 14424
An Assisted Living Residence of Distinction
With an Alzheimer's/Memory Care Neighborhood


Alzheimer's Communities Regulations

Alzheimer's Unit requirements are not separately specified
Department of Health 518.432.2968


Seniors Apartments ...some with care

East Patchogue Seniors Apartments

Conifer Village at Patchogue

East Patchogue, NY 11772

Conifer Village offers affordable 1- and 2-bedroom apartments with balconies in a state-of-the-art 2-story with "L" wings. The property features acres of open space, walking trails,a Wellness Center, bocci court and Community Center

Now Leasing, Hurry, CALL NOW!”

Gouverneur Seniors Apartments

Pine Grove Senior Apartments

275 West Barney Street
Gouverneur, NY 13642

  Beautifully located on the Oswegatchie River,  
  Pine Grove offers 1- and 2-bedroom apartments for those 55 +,  
  starting at $427 per month, heat included.  
  These charming, apartments offer an elevator, on-site  
  medical office and a full array of amenities and services to make you  
  comfortable and secure in your new home. Relax enjoying the view  
  from your balcony or visit with friends in our large Community Room.  

email us at [email protected] for more information


Manhattan Seniors Apartments

Health Advocates For Older People (HAFOP)

708 Third Avenue
and: Church of the Holy Trinity
   341 East 87th Street
New York, NY 10017
212.980.1717 Fax
[email protected]

A coalition of religious organizations,
non-profits and individuals promoting
better health care and housing,
and improve the quality of life for seniors in NYC.
Developing housing with assistance
to promote healthy aging.
Contact us to help, or to learn more about housing.

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Assisted Living and A/L Services


Quail Summit
One Quail Summit
Canandaigua, NY 14424
An Assisted Living Residence of Distinction
With an Alzheimer's/Memory Care Neighborhood

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Assisted Living Regulations

Assisted Living Regulatory Information
Department of Health

Assisted Living Programs must be licensed as an adult home or enriched housing program and be licensed as or contract with certified home health care agency or a long-term home health care program. (1) Assisted Living Programs combine residential and home care services, including room, board, housekeeping, supervision, personal care, case management and home health services. (2) Enriched Housing Programs provide long-term residential care to five or more adults in community integrated settings resembling independent housing units and must provide or arrange for room, board, housekeeping, personal care and supervision. (3) Adult Care Homes provide long-term residential care, room, board, housekeeping, personal care, and supervision to five or more adults.

Adult Day Care

Adult Day & Hospice Care

Adult Day Care is a life senior service for frail, physically or cognitively impaired, seniors and their caregivers. Numerous stand alone adult day care facilities and adult day care centers are available in urban and suburban areas to provide elderly care. Check your state here. A large percentage of Adult Day Care Centers are operated on a nonprofit or public basis. Many centers are affiliated with multi-service entities such as home care, assisted living, nursing facilities and hospitals

Congregate, assisted living or nursing care communities may offer elderly care as an "outpatient" service to the neighboring population on a per day basis. Those that do, may also offer respite care for a weekend, or a week. Senior centers may also offer senior day care as one of their life senior services.

Learn more about Adult Day Care HERE

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HMOs Ranked

Award Winning HMOs

Find out if any HMOs in your area rank in the top 50.

HealthMatrix Research Inc. ranks HMOs, provides price comparisons, tips to ask when shopping for an HMO and answers to Frequently Asked Questions. The site provides cost comparisons for over 200 Medicare health plans in 100 cities; a quick search feature for consumers to locate Medicare health plans; a convenient on-line form for requesting Medicare health plan information. The website does not provide health/medical information except for links to other such websites.

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Directories - Senior Housing Options


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Health Insurance Counseling, Advocacy, and Medicare Help

Need help with the Medicare Maze?
Every state has a Health Insurance Counseling and Advocacy Program
to help understand Medicare coverage, payments and Medigap Insurance options.
Note: Toll free numbers often work only from within the state.
From out of state? Use the other number, when provided.
For more counseling information visit www.medicare.gov

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Insurance: Automobile

All Web Leads USinsurance.com

Auto Insurance

cost effective auto insurance

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Insurance: Life

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Insurance, Long Term Care

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, and other physical activities. Long-term care insurance can help pay for such care in the future. To help protect your financial independence, as you grow older, many Long Term Care Insurance providers have plans that offer comprehensive benefits as well as a proven track record of claims payments and financial stability. You should review all your options carefully.


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Annuities Why look into annuities? If you're a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read .
Annuities For Dummies is a plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You'll find out exactly what annuities are, whether they're the right financial vehicle for you, and which of the many annuity options might have your name on it. You'll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to:

  • • Identify the main types of annuities

  • • Weigh the pros and cons of annuities for yourself

  • • Minimize the complexity of your annuity investment

  • • Figure out how much money to commit

  • • Avoid common annuity pitfalls

  • • Create an income you can't outlive


401K Seventy-eight per cent of eligible American employees participate in their company's 401(k) plan, comprising over 40 million workers. The Enron collapse, coupled with new uncertainty in the investing and accounting industries, however, has even longtime 401(k) investors rethinking their approach. This guide explains the basics of 401(k) investing in plain English, showing readers how to manage their accounts, minimize their investment risk and maximize their returns. It discusses the pros and cons of including company stock and helps readers decide whether taking out a loan against their 401(k) is a wise idea. The text explains the difference between a defined contribution and a defined benefit plan, including the pros and cons of each, has sample 401(k) portfolios for various stages of life and contains a retirement calculator formula to know how much you need to save. Read 401k For Dummies

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Skilled Nursing Facilities

Skilled Nursing Facilities

The type of care that may be administered ONLY BY A NURSING HOME near you, is defined by state regulations. Generally "medical procedures" and assistive acts requiring a nurse to physically "handle" a patient are limited to nursing home providers, when not in a hospital. Changing bandages deep wounds is often only permitted in Nursing Homes as is turning a patient in bed, who cannot turn themselves.

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Moving and Storage Services

Make sure you have the information you need to protect your memories, money, and belongings from moving problems.

The best defense against moving difficulties is to be informed and aware of your options when choosing a reputable mover. While most household moves go smoothly, there are many pitfalls that you should be aware of. It can also be stressful, even under the best of circumstances. Use the checklist here to help guide you through the moving venture.

A key step is to read and understand all information provided by the mover. These should include the following basic documents as part of your move:

The estimate should clearly describe, in writing, all charges for services the mover will perform. Make sure the estimate is signed by the mover.
Do not accept oral estimates.
Bill of Lading
The bill of lading is a contract between you and the mover and a receipt of your belongings. You should be given a partially completed copy of the bill of lading before the mover leaves the residence at origin.
Order for Service
The order for service is a list of all the services the mover will perform and shows the dates your household goods will be picked up and delivered
The inventory is the receipt showing each item you shipped and its condition. Be sure you receive a written copy of the inventory after your household goods are loaded, and that you agree with its description of your household goods' condition

See our list of New York Moving Companies

To resovle moving issues, contact your state regulartory agency below.

DOT Motor Carrier Compliance Bureau

Real Estate Agents: Buy or Sell

Interested in Buying or Selling
a Home or Condo?

Whenever possible your inquiry goes to a Specialist trained to work with seniors from over 800 such specialists in our International referral network.

Having a Professional Specialist contact you, is just a click away! Fill out the inquiry form and we do the rest.

Aging in Place

Aging In Place

Aging in Place

"Aging in place" is growing older without having to move. Aging in place with supportive services is one of the most desirable ways of aging. Aging in place can achieve efficiencies enabled by the customized care. Successful aging in place approaches focus on the provision of the most appropriate care for the specific individual. Thus avoiding wasted costs brought on by a "generic" care model.

An aging in place scenario, creates housing and health care options to provide support as defined by an individualís wishes and efforts to live independently. Aging in place can work best when it is employed as a part of a comprehensive plan for retirement and aging. A key step in implementing aging in place is to make your home aging friendly. As we age we don't hear so well, we sometimes forget or get confused and we can even outlive doctor's predictions about our longevity. So as long as we persist in growing older, why not arrange our homes to accommodate our reality. Incorporate memory triggers into the way we arrange cabinets and counters, add soft fabrics to muffle background noises, change appliances to better accommodate our short-comings.

Here is a book to help you make your homes senior-friendly.

Universal Design: A Step-by-Step Guide to Modifying Your Home for
Comfortable, Accessible Living

by Barbara Krueger and Nika Stewart is a good place to start.With the book as a guide you can plan ahead for years before you critically need the advantages offered by the ideas in the book.

Also visit: the Universal Design Living Laboratory:A National Demonstration Home at http://www.UDLL.com by Rosemarie Rossetti, PhD

If you want to learn more visit our Aging in place section .

Once you have an idea of the changes needed in the home, it is time to discuss the changes with a contractor/builder in your area. Below is a list of of such providers in your area.

Senior Publications

Senior Solutions Publication

New York City Department of Aging has a senior resource book available through their website.

Better Business Bureau

State Department of Insurance

Insurance regulations differ from state to state.
Need help with an insurance company provider?
Want to know who writes Medigap insurance in your state?
Contact: Insurance Department
160 W. Broadway
New York, NY 10013
212.602.0203 in New York City
1.800.342.3736 rest of

New York Taxes


  • Personal Income Tax
    Tax Rate Range: 4.0% to 6.85%.
    Five income brackets: Lowest is $8,000, highest is $20,000
    Marrieds filing jointly pay twice the tax imposed on half the income.
    Personal Exemptions: 0 except for dependents not a spouse.
    Standard Deduction: $7,500 for singles, $14,200 for marrieds filing jointly.
    Medical/Dental Deduction Federal amount.
    Federal Income Tax Deduction: 0.
    Public Pension Exclusion: Full.
    Private Pension Exclusion: $20,000 for 59 1/2 and older.
    Social Security Exemption: Full.

  • Sales Tax:4% (Food, prescription and non-prescription drugs exempt)
    County taxes may add to 4.5%

    For further information New York Department of Taxation and Finance